Supreme Super Saver

The optional Claim Shield benefit covers expenses relating to 68 listed non-payable items during hospitalisation. Claim Shield+ offers a broader list of eligible non-payable items under the applicable add-on terms. These benefits are optional and subject to additional premium.

30 days from policy inception for illnesses. This waiting period does not apply to eligible accident-related claims.

24 months for named ailments, subject to the policy’s list of covered conditions and applicable exceptions.

36 months for pre-existing diseases under the standard waiting-period terms. The optional Modification of PED Waiting Period can reduce this to 1 or 2 years, as selected and accepted under the policy.

One health check-up per insured person per policy year, subject to the policy terms.

Eligible post-hospitalisation medical expenses are covered for up to 180 days after discharge, subject to policy conditions.

Care OPD is an optional add-on policy. Depending on the applicable option and zone, it provides up to four physical consultations with a general physician and up to four consultations with specified specialists per insured person per policy year, subject to consultation limits and co-payments.

A standard deductible option is not specified in the uploaded brochure. Review the current quote and policy schedule for any applicable deductible.

Individual cover for up to 6 persons or family floater cover for up to 2 adults and 2 children, subject to eligibility.

Maternity expenses are not listed as a standard base benefit in the brochure. Certain services or discounts may be available through optional Care OPD or network wellness services, but these should not be treated as maternity insurance coverage.

Eligible AYUSH treatment is covered up to 100% of the sum insured, subject to policy terms.

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions.

Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year.

Room rent is covered up to the sum insured, subject to the policy’s room eligibility and applicable terms.

Cashless treatment is available at eligible network hospitals, subject to network participation, pre-authorisation and policy terms.

All eligible daycare procedures are covered up to the sum insured, subject to policy terms.

No sublimits on modern or conventional treatments. Individual treatments and claims remain subject to policy exclusions, definitions and other applicable conditions.

Unlimited Automatic Recharge is available for related and unrelated illnesses, including repeated use for the same illness, subject to policy terms.

Optional Care OPD has specified co-payments: 10% for general physician consultations under one listed option and 5% for specialist consultations under that option. Check the selected policy schedule for any other applicable co-payment.